Car Insurance, Essential Information About Excess Payments
An excess payment is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair garage when you collect the car. If your car is declared to be a write off, your insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.

If the accident was the other drivers fault, and this is accepted by the third party’s insurer, you’ll be able to reclaim your excess payment from the other person’s insurance company. But what if the other driver is uninsured?

All motorists know that it’s a legal requirement (under Section 143 of the 1988 Road Traffic Act) to have insurance for any damage they cause to third parties. But still many drive without insurance. An estimate of the incidence of uninsured driving in the UK is hard to come by and, for the obvious reasons, those drivers involved in breaking the law have every reason to keep quiet about it.

Calculations from the Department of Transport suggest that in the UK around 5% of vehicles are being driven without valid insurance. This group of people not only impose costs on honest motorists in the form of higher premiums, but their presence on our roads also represents a serious risk to other road users. Consequently, uninsured driving is increasingly being regarded as a major social problem.

But driving without insurance is not a victimless crime. If you have an accident with an uninsured driver and the accident wasn’t your fault, the repair costs will be paid for by the Motor Insurers’ Bureau that’s funded in its entirety by the industry, or by your insurer. Therefore, if you’re involved in an accident caused by an uninsured driver you’ll eventually get you car repaired but you’ll still have to pay the excess and there’ll be no one to reclaim your excess from.

What is a Compulsory Excess?

A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses do vary according to your personal details and driving record and by insurance company. Today the average excess is around ?100, but younger drivers could be faced with excesses of up to ?500 - whilst more mature, experienced drivers with a good driving record, could be offered an excess of just ?50.

So what is a Voluntary Excess?
In order to reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer I able to offer you a significantly lower premium.

The garage has repaired my car but it won’t release the car too me until I pay the policy excess to them. Is this right?

Yes, that is normal practice. But make sure you inspect the car when you collect it. Satisfy yourself that the repair is perfect. Then make sure you keep their receipt for your excess payment as you will need this if you’re reclaiming against a third party’s insurance. And just in case there’s a dispute, it’s a good idea to make sure the repair garage gives you a repair schedule. This will list all the repairs that were made to you car.

Michael Challiner writes for Brokers Online, who specilise in Life Insurance and <a href="http://www.life-assurance-bureau.co.uk/mortgages/">Mortgages</a> but also offer most other UK financial services including <a href="http://www.life-assurance-bureau.co.uk/car-insurance/">Car Insurance</a>

Discount Auto Insurance - Some Hints And Tips To Help You Save Money Online
With the ever rising costs associated with driving, it is always nice to save money whenever and wherever you can. Unfortunately it is hard to find cheap car insurance that doesn?t skimp on quality and service. Usually in life, you get what you pay for and car insurance is one area of your life that you really can?t afford to have mediocre coverage. The last thing that you want is to get into a car accident only to find that your deductible was higher than the damage done to your car.

Finding cheap car insurance doesn?t have to mean you compromise where quality is concerned, but it does mean you have to do your homework to assure that the coverage you receive is adequate to all your needs.

The first step in finding cheap car insurance is to compile a list of all the discounts you could be eligible for. Are you a good student? Do you have a safe driving record with no tickets or accidents? Are you married or over the age of 25? Do you live in a location that traditionally receives lower insurance rates? So you have more than one car to insure? Have you taken any safe driver courses? Do you have any other non auto insurance needs that can be met by the same agent that insures your car, perhaps making you eligible for a discount? Are you retired? Does your vehicle have safety features such as antilock breaks, airbags, or automatic seat belts? Have you installed an alarm system in your car? Is your vehicle?s primary use on a farm or ranch? Are you in the military? Are you driving an economy or hybrid car? Depending on how many of these questions you can answer yes to, the cost of your car insurance can be drastically reduced.

Once you have determined which discounts you should receive, prepare to shop around for the best insurance quote. You can call around to several different agencies and talk to individual agents, or use an insurance search engine online that allows you to input your location, type of vehicle, and the discounts you have earned so it can give you several different quotes from competing agents.

Finding cheap car insurance does take a little bit of work, but with a little perseverance, it is possible to find quality insurance at a price you can afford.

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New drivers versus auto insurance
New drivers versus auto insurance

Every year thousands of new drivers head onto the open roads increasing the number of potential accidents. According to the National Center for Statistics and Analysis (NCSA), in 2005 there were an estimated 31,884 people killed in total passenger vehicle accidents. Close to 14% percent of these car accidents were caused by young and newly licensed drivers between the ages of 16-19 years. As a result of these overwhelming statistics, auto insurance rates have risen significantly with the onus on parents to pay the exuberant premiums.

Young drivers feel as though they are the target of a car insurance conspiracy in wondering why all novice drivers aren t being target regardless of age or gender. When countries world-wide passed legislation for new drivers, known as Graduated Licensing a system designed to phase in young beginners to full driving privileges as they become more mature and develop their driving skills. Astounding statistics revealed in the United States alone, young people made up the vast majority of beginning drivers and revealed that 16 year olds had the highest number of accidents, approximately 26%.

Driver education programs can reduce auto insurance rates

What factors into this equation is maturity and lack of on road experience. Driver education schools aid in not only practical experience, but further educate their students on behind the wheel safety procedures. As part of the ongoing education, parents should also continue to reinforce the dangers and hazards of the road and continually monitor their child s driving practices to secure a clean driving record. Enrolling your child in a driver education program also helps reduce car insurance rates since they are deemed as top authorities in driver safety.

So how can you get cheaper car insurance rates? Firstly, parents should go online and get as many auto insurance quotes, at least four since auto insurance rates vary from company to company, as well as from state to state. Here are some helpful tips in trying to find cheaper auto insurance for your child and some important factors you should keep in mind:

What new drivers should know about car insurance

When you are adding a new driver to your existing car insurance police, typically you will see an increase in your rate, this is due to the fact new drivers need to be listed as a primary driver on one of your family vehicles in order to acquire an insurance rating. When shopping around for cheaper auto insurance whether in person or getting an insurance quote online, pose the question, what happens as the child gets older and maintains a clean driving record, will his/her premiums go down? Depending on age bracket, gender and driving history, this will in fact affect auto insurance rates.

As previously mentioned parents should inquire if their child does qualify for any type of insurance discount, again this depends on legislating factors that govern insurance companies in different states. If your child has successfully passed and was granted a certificate at a recognized driving school, they may qualify for a good student discount .

If you are buying a new vehicle, you may want to consider which vehicles get the lowest rates. Also, be sure to contact your agent or broker to add the new vehicle to your policy.

You may want to consider additional personal liability protection. If you or your child accidentally injuries someone or destroys their property in the event of an accident, there is a chance you may be sued for damages. In the event a judge awards the plaintiff more money than what your insurance policy provides and exceeds the monetary limits, this could prove to be a financial catastrophe. The additional liability can supplement your present policy and with a new driver in the home, this should definitely be given top consideration when inquiring about car insurance.

Written on behalf of http://www.insurancequote4you.com your premium source for finding the best online auto insurance rates.

Shelley Murphy of <a href="http://www.trendmx.com">http://www.trendmx.com</a> brings with her over 10 years of Search Engine Optimization and e-marketing strategies to web based businesses. Holding two BA s in English and Journalism Communications her writing skills have been a great asset for both onsite writing and monthly newsletters publications.

Car Insurances - why you need them?
You need car insurance because you are responsible for your actions behind the wheel of your car. If someone is injured because of your actions or in-actions, your car insurance policy will pay for their and your medical expenses. If someone esle vehicle is damaged, your car insurance will also pays of their repairs. This applies also for damages to your own car or vehicle. Importantly if someone sues you as a result of an accident, your acar insurance pays for the legal fees and any damages you may incured due to injuries, damages to vechicles and other porperties related to the accident. If you are not insured then you got to pay for all these expenses. For these reasons most countries requires you to be insured with car insurances. When people who are involved in mishaps and accidents without car insurance are not just being careless about their own vehicle. They are essentially being careless and irresponsible with you and your vehicle as well. If they do not have car insurance for your car, and cause thousands of dollars worth of damage to your car, but do not have the money to pay to cover this damage, then, even if it is proved that it is their fault, you will have to pay for the damage to your car. So, to get that straight, you would lose any “no claims bonus” because someone with no car insurance coverage has smashed into you. This is why the law states that everybody who uses a car on the road has to get at least third party insurance.”Uses” is an important word here. It’s not just car “owners” who have to be insured.

Rgann is an independent writer and marketer online. There are more ways to save money on car insurance. If you found this article useful you can learn a lot more about car insurance tips and resources by visiting http://at-car-insurance.com

Online Car Insurance Advice
Stop wasting money and cut your car insurance bills in half! There’s no reason why you shouldn’t consider purchasing online car insurance. Buying online car insurance is extremely easy and very convenient. It’s an extremely fast process and only requires filling out a simple form. Everyone knows that shopping around is the only way to find a good deal and save money. What’s the fastest way to shop? Well, you can look through the phone book and dial phone numbers only to get an automated message or you can use the internet to multiply your efforts. Buying online car insurance has literally no drawbacks. All you need is a computer with an Internet connection. After you have found a quote that you like, purchasing online car insurance allows you to accept the quote right then and there or save your information and come back later. I would recommend using as many web sites as possible to make sure you find the lowest premiums. There’s plenty of online car insurance providers out there and the more time you put into it the better the outcome.

Online Car Insurance Features:

  • Save Time: One of the many great features of shopping for online car insurance is the ability to start your insurance application, save it, and finish later if you get pressed for time.
  • Privacy: Privacy while shopping for online car insurance is taken very seriously. Any information you provide is kept secure with encryption technology.
  • Your credit score won’t be affected by applying for online car insurance.

Here are some great ways to reducing premiums:

  • You can combine you and your partner’s insurance if married.
  • You can install anti theft devices in your vehicles.
  • You can take advanced driving courses that enhance your driving skills.
  • Paying annually for your policy as apposed to monthly. Check for insurance companies that offer discounts for being affiliated with particular organizations or companies. Example: Some credit card companies offer discounts on auto insurance.
  • Insuring all your vehicles, home and valuables with the same company may earn you a loyalty discount.
  • You can save around 15 to 30 percent by increasing your deductible! What are the odds of you getting in an accident? Just put your deductible away in a savings account and save it for that rainy day.
  • Drop collision and comprehensive and just stick with liability. Especially if you have an old car because the value of your car won’t add up to all those previous payments you’ve been making.
  • Maintain good credit

Things to remember when shopping for online car insurance:

  • Make sure that they can actually provide an insurance quote for the state you currently reside in.
  • Always double check the information you provide on the insurance application. All it takes is the smallest error to affect your rates.
  • Make sure the insurance company is reputable. Future claims are only honorable if your company still exists.
  • You’re never under any obligation to accept any insurance quote provide.

So what are you waiting for? Fill out some forms and save some money. Good luck, live well, and prosper!

Jon B loves to write if his words benefit others in a positive way. <a href="www.tamtamsreviews.com">Are you ready to get a free online car insurance quote?</a>I've collected a hand full of recommended online car insurance companies and posted them on this page for your convenience.

Car Insurance. Optional Legal Expense Cover Is Well Worth The Extra.
Peter, our freelance journalists doesn’t take kindly to people driving into his beloved car. No, he doesn’t use his fourteen stone of gym-honed muscle to exact retribution nor is he into road rage. Of course he’s got his car comprehensively insured but he’s also covered another way. He’s got legal insurance. He included in his car insurance as an optional extra. This extra cover allows him to claim for costs and losses excluded covered from normal comprehensive and third party policies. So four months ago when his car was whacked from behind at the traffic lights, the legal profession swung into action! Not for free you understand, after all who’s heard of a solicitor labouring for free? No, but it was free to Peter ? his insurance company paid all his legal costs.

Whilst the garage appointed by his insurer made a beautiful job repairing his bent MX5, his comprehensive policy didn’t normally cover claims for personal injury or loss of earnings. So the extra ?2 a month Peter forked out for legal expense cover, became money well spent. He’s already received compensation for the broken wrist he suffered and negotiations for his loss of earnings are well advanced. One-handed journalists aren’t much use in our office so he took a month off!

Legal expense insurance assists policyholders to claim back losses and compensation where the accident wasn’t their fault. The losses can include the cost of hiring a replacement car whilst yours is in the garage and, for those not comprehensively insured, the costs of having your car repaired. As in Peter’s case, legal expense insurance will also fund claims for personal injury and loss of earnings.

Cover for legal expense is one of those insurances that’s under rated until it’s called on. The insurer will run the claim for you and sends the settlement cheque at the end of the process. All you have to do is record the facts on the legal expense claim form, speak to the solicitor nominated by your insurer, be prepared to answer a few follow-up questions, and sit back. If the case goes to court, they’ll represent you and fight your corner ? although you may also have to attend.

Most car insurance policies sold on the Internet don’t automatically include legal expense cover ? it’s normally an optional extra. That’s because price competition on the net is so fierce that the insurers prefer to keep their headline premiums down as low as possible.

You’ll find that the optional cost of legal expense cover does vary from insurer to insurer. For example, More Than comes in at ?17.85 per year, Direct Line ?19.95, Churchill ?21 and Budget ?24 per year. Just a few insurance companies such as Admiral, include some legal expense cover for free.

So make sure you don’t forget legal expense cover when you buy car insurance. Complicated claims for compensation can drag on your years especially if severe injury is involved, and final settlements can end up in millions.

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Car insurance, House Insurance, Motor Bike Insurance
Drivers with six points or more on their licence looking for motor insurance could soon be viewed as standard rather than non-standard says Swinton, the UK s largest high street motor insurance broker. Pointed drivers are no longer automatically penalised at Swinton as a result of the increase in the number of motorists now saddled with penalty points. And the move reflects a change in attitude by the motor insurance industry as the estimated number of pointed motorists tops 6 million*. With the 6,000 speed cameras on our roads already catching over 2 million speeders each year, and driving whilst using a mobile phone now costing the driver three points, an unblemished licence is becoming rare. Swinton announced it had seen a 12% increase in the number of drivers with points looking for cheaper motor insurance during 2006 - and as a result has set up a dedicated unit to deal with this rising demand. Swinton Specialist was launched earlier this year for drivers of imported, modified and high performance motors. The division is now also handling drivers with penalty points, and is already experiencing a high volume of calls. Neil Ackinclose, head of Swinton Specialist Motor insurance, explained: “Over the last few years we have seen a dramatic increase in the number of drivers with penalty points requesting insurance. A few years ago insurers might have assumed that a motorist with six or more points on their licence was a reckless driver, but that is no longer necessarily the case. “A 2006 YouGov survey estimated that 16% of drivers now have points on their license. As that figure continues to grow - with some estimating the actual number of pointed drivers to be in the region of 10 million - insurance providers are having to accept that points alone can no longer be used as a yardstick for driver evaluation. “Here at Swinton we have set up Swinton Specialist - a dedicated unit to deal with non-standard motor insurance - where drivers with any number of points are treated as individuals. We look at full driving history and aim find a value policy to suit each car owner, whatever the vehicle.” Any driver interested in talking to Swinton Specialist should call 0800 781 8400.

Swinton Colonnade is the biggest insurance broker on the high street, with branches covering 90% of the UK. Swinton Group was acquired by its parent company MMA Insurance in May 2001. http://www.swinton.co.uk/

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